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Updated 2025 Tax Year

Ringgold County
Property Tax Guide

Everything you need to know about property taxes in Ringgold County, IA. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
Approximately 1% base rate, varies by school district and municipality within Ringgold County
1st Due
Sep 30
2nd Due
Mar 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Property taxes in Ringgold County, Iowa fund essential local services including schools, county operations, emergency services, and infrastructure maintenance. The county follows Iowa's property tax system where taxes are calculated based on assessed value multiplied by the consolidated tax rate for your specific location. Iowa's base property tax rate averages around 1%, though actual rates in Ringgold County vary depending on your exact location within the county due to different school districts, cities, and special taxing districts.

Property taxes are assessed annually based on the assessed value of your property as of January 1st. The Ringgold County Assessor determines assessed values, while various taxing entities (county, school districts, cities, and special districts) set their individual levy rates. These combined rates create your total property tax bill. Actual effective rates in Ringgold County can range from approximately 0.8% to 1.4% of assessed value depending on your specific taxing districts. The tax year runs from July 1st through June 30th of the following year, with bills typically issued in the fall.

Section 2

What Makes Up Your Tax Bill

The following represents the general structure of property tax levies in Ringgold County for FY 2025-2026 (rates vary by specific location):

ComponentApproximate Rate RangeDescription
County General Fund$3.50-$5.00 per $1,000Basic county services, roads, administration
School District$12.00-$16.00 per $1,000Local school operations and facilities
City/Municipal$8.00-$12.00 per $1,000City services (varies by municipality)
Agricultural Extension$0.75 per $1,000County extension services
Assessor$0.50 per $1,000Property assessment operations
Secondary Roads$3.27 per $1,000County road maintenance

Note: Final 2025 tax rates have not yet been certified by the County Auditor. Rates vary significantly based on your specific school district (Diagonal Community School District, Mount Ayr Community School District, etc.), city limits, and any special assessment districts. Contact the Ringgold County Auditor at 641-464-3234 for your exact consolidated rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Ringgold County, property taxes are due in two installments:

First Installment
Sep 30
Delinquent after Dec 10
Second Installment
Mar 31
Delinquent after Apr 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Iowa are typically triggered by new construction, property improvements, or ownership changes that affect the assessed value after the January 1st assessment date. When new construction is completed or significant improvements are made to existing property, the County Assessor may issue a supplemental assessment to capture the increased value for the current tax year.

For example, if you complete a $50,000 home addition in June after the January assessment, the Assessor may add this value to your current year assessment. The supplemental tax would be calculated by applying your area's consolidated tax rate to the added assessed value, prorated for the remaining months in the tax year. If your total tax rate is $25 per $1,000 of assessed value, a $50,000 improvement completed in June would generate approximately $625 in supplemental taxes (($50,000 ÷ 1,000) × $25 × 6/12 months). Supplemental bills are issued separately from your regular annual tax bill.

Example Calculation

Example 1: $300,000 Home in Mount Ayr

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$8,872 (requires application)
  • Net Taxable Value: $291,128
  • Estimated Tax Rate: $28 per $1,000
  • Annual Property Tax: $8,152
  • Monthly Escrow: $679

Example 2: $600,000 Home in Diagonal

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$8,872 (requires application)
  • Military Exemption Credit: -$1,852 (if applicable, requires application)
  • Net Taxable Value: $589,276
  • Estimated Tax Rate: $32 per $1,000
  • Annual Property Tax: $18,857
  • Monthly Escrow: $1,571

Example 3: $1,000,000 Home in Rural Ringgold County

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: -$8,872 (requires application)
  • Net Taxable Value: $991,128
  • Estimated Tax Rate: $26 per $1,000
  • Annual Property Tax: $25,769
  • Monthly Escrow: $2,147

Note: All tax credits require separate applications and are not automatically applied. Rates are estimates and vary by exact location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Ringgold County require borrowers to maintain an escrow account for property taxes. Your lender collects 1/12th of your estimated annual property tax bill each month along with your mortgage payment. The lender pays your property taxes directly to Ringgold County when the September 30th and March 31st due dates arrive.

Lenders typically conduct an annual escrow analysis to ensure adequate funds are collected. Since Iowa property taxes are paid in two installments (first half by September 30th, second half by March 31st of the following year), your escrow account must maintain sufficient funds for both payments. If your assessment increases significantly, your lender may require additional monthly contributions or request a lump sum payment to cover any escrow shortage. You should receive annual escrow statements showing all deposits, payments made on your behalf, and any required adjustments. Always verify that your lender has paid your taxes on time, as you remain ultimately responsible for timely payment even when using an escrow account.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
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Section 6

Frequently Asked Questions

Q: When are property taxes due in Ringgold County for the current fiscal year? A: Property taxes are due in two installments: first half by September 30th and second half by March 31st of the following year. Online payments are considered timely if completed by midnight on these dates.

Q: What is the Homestead Credit and how do I apply? A: The Homestead Credit is a tax credit that helps limit assessment increases on your primary residence. It does not reduce your home's market value but caps how much your assessment can increase year-over-year. You must apply once at the Ringgold County Assessor's office. Applications received after July 1st apply to the next assessment year. You must be an Iowa resident, file Iowa income taxes, and occupy the property as your primary residence.

Q: Are there other tax credits available that require applications? A: Yes, Ringgold County offers a Military Exemption credit for qualifying veterans and a 65+ Age Exemption. All credits require separate applications filed with the County Assessor by July 1st. Contact the Assessor's office at 641-464-3234 for eligibility requirements and application forms.

Q: How often are properties reassessed in Ringgold County? A: Iowa law requires reassessment of all properties at least every two years. However, the County Assessor may update individual property values annually based on market conditions, improvements, or other factors affecting value.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Ringgold County Board of Review by May 31st following the assessment. Contact the County Assessor's office for appeal forms and procedures. You may also appeal to the Iowa Property Assessment Appeal Board if unsatisfied with the local board's decision.

Q: What are the penalties for late property tax payments? A: Iowa law imposes a 1.5% monthly penalty on delinquent property taxes, plus interest. Properties with delinquent taxes may eventually be subject to tax sale proceedings.

Q: Can I pay my property taxes online? A: Contact the Ringgold County Treasurer at 641-464-3234 to inquire about online payment options. Payment methods and availability may vary.

Q: Why do property tax rates vary within Ringgold County? A: Tax rates differ based on your school district, whether you're within city limits, and any special taxing districts that serve your area. Rural properties may have different rates than those in Mount Ayr, Diagonal, or other municipalities due to varying local service levels and bonded debt obligations.

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